UnionPay Dual Currency Debit Card

Bank of China （Hong Kong）Limited Jakarta Branch's UnionPay Dual Currency Debit Card is a dual currency debit card equipped with contactless feature and UnionPay logo, and can be utilized for dual currencies transactions which is Indonesian Rupiah (IDR) and Chinese Yuan (CNY). Overseas transaction outside Mainland China will first deduct cardholder's IDR account, while transaction at Mainland China will first deduct cardholder's CNY account. UnionPay Dual Currency debit card provide a convenient transaction experience both in Indonesia or Mainland China. This card features contactless payment, allowing cardholders to make overseas transactions conveniently and securely by simply tapping the debit card on an EDC machine that supports contactless payments, without the need to enter a PIN for transactions up to the predetermined limit.

Exclusive privilege

Enjoy 1% cashback up to maximum CNY 600 every month, for purchase transactions using Your debit card in Mainland China.

Enjoy 10% discounts while doing transaction with minimum CNY 200 at over 100 merchants in Guangxi Province, start from hotel, retail, restaurant, travel agency, to health category. Please click here for more offer details. Other than that, also enjoy various offers by UnionPay International with the detail provided on this link.

When travelling to Hong Kong and Macau, you could also enjoy privileges offers when using your BOC Debit card*.

*Offers are applicable to BOC Debit Card bearing the logo. The offers are valid until 31 December 2026 (unless otherwise specified). All services and offers are subject to relevant terms and conditions. Please click here for more offer details or enquire with respective merchants.

Other than that, Bank of China (Hong Kong) Limited Jakarta Branch’s UnionPay Dual Currency Debit Card also provide privileges and benefits such as:

Free card monthly fee by applying UnionPay Dual Currency debit card and BOCNet registration.
Broader network coverage, other than NPG network, ATM BERSAMA, PRIMA (in Indonesia) also covers UnionPay network.
Can be linked to Multicurrency account which provides 9 (nine) currencies in 1(one) account
One card two currencies, avoid foreign exchange when doing transaction at Mainland China
Easy access to Bank of China Mobile Banking and Internet Banking, provide a safer and convenient transaction.
Included in SplendorPlus program that Customer can enjoy cashback when spending in Mainland China. Please access this page for further information regarding the terms and conditions of SplendorPlus program.
Enjoy fee-free transactions by binding your card to Alipay and Wechat Pay, enjoy more convenient transaction’s experience in Mainland China.
Enjoy seamless payment convenience on transportation facilities that support UnionPay Contactless across Mainland China, such as the Shanghai Maglev and MRT in Beijing, Shanghai, and Shenzhen, as well as on ride-hailing apps (e.g., GRAB) in Indonesia, the Philippines, Cambodia, Malaysia, Singapore, Thailand, and Vietnam
Card equipped with standardized Chip + PIN, provide customer with more secure and convenient transaction experience.
Enjoy convenient purchasing worldwide through UnionPay International network and the contactless payment feature (available outside Indonesia).

Debit Card Design

Debit Card Features

Card Type	Currency	Domestic transaction services	Overseas transaction services
UnionPay Dual Currency Debit Card	Indonesian Rupiah (IDR) and renminbi (CNY)	Balance inquiry at ATM machine Balance inquiry can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos. Cash withdrawal at ATM machine Cash withdrawal transaction can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos. Transfer through ATM machine Transfer transaction can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos. Purchase or POS at merchant Purchase transaction can be done at all POS machines that is equipped with NPG, ATM BERSAMA, or PRIMA logos. Online transaction in the E-commerce that supports UnionPay Online payment	Balance inquiry at ATM machine Balance inquiy can only be done at ATM machines equipped with UnionPay logos. Cash withdrawal at ATM machine Cash withdrawal transaction can only be done at ATM machines equipped with UnionPay logos. Purchase or POS at merchant Purchase transaction can be done at all POS machines equipped with UnionPay logo. Online transaction in the E-commerce that supports UnionPay Online payment

Transaction Limit*

Transaction Type	IDR**	CNY**
Cash withdrawal	15.000.000	7.500
Transfer (utilizing ATM BERSAMA and PRIMA network)	50.000.000	-
Purchase / POS ***	50.000.000	Default limit: 50.000 Maximum limit: 80,000
Online payment	Default limit: 25,000,000 Maximum limit: 50,000,000	Default limit: 12,500 Maximum limit: 50,000

*

Customer can change their debit card transaction limit setting by visiting the nearest Branch or Sub-branches.
If utilizing existing account that is linked to other debit card (e.g NPG debit card), the card limit will be combined between the two cards (NPG+UnionPay)

**

Transactions made other than in Mainland China will first deduct customer’s IDR account, if the balance in IDR account is not sufficient then it will deduct from CNY account automatically. For transactions made in Mainland China, will first deduct from customer’s CNY account, if the balance in CNY account is not sufficient then it will deduct from IDR account automatically.

***

POS transaction limit is CNY 50,000, however customer can apply to change the limit to a maximum of CNY 80,000. Contactless payments can only be made outside Indonesia with the following transaction limits:

Without PIN: Transaction amounts up to the equivalent of IDR 1,000,000 or CNY 400 (subject to the applicable regulations in each country and the acquiring bank where the transaction is conducted)
With PIN: Transaction amounts above the equivalent of IDR 1,000,000 or CNY 400

Fees & Charges

Type of Charges		Charges amount
Debit card application fee		Free of charge
Debit card replacement fee	Due to expired or broken card	Free of charge
Debit card replacement fee	Due to lost or stolen card	IDR 50.000
Debit card monthly fee	Apply 1 debit card	IDR 5.000
	Apply 1 debit card + internet banking	Free of charge
	Apply 2 debit cards (CUP + NPG)	IDR 5,000 for UnionPay Debit Card type, Free of charge for NPG debit card type
Transaksi through ATM machines
Cash withdrawal*	In Indonesia (through ATM BERSAMA and PRIMA network)	IDR 5.000
	Other than Indonesia and China (UnionPay Network)	IDR 50.000
	China Mainland (UnionPay Network)**	CNY 25
Transfer	In Indonesia (ATM BERSAMA and PRIMA Network)	IDR 6.500
Balance inquiry	In Indonesia (through ATM BERSAMA and PRIMA network)	Free of charge
	Other than Indonesia and China (UnionPay Network)	IDR 4,000
	China Mainland (UnionPay Network)	CNY 2
Retail transaction / Purchase
Purchase / POS	Merchant equipped with NPG, ATM BERSAMA, PRIMA, Bank of China, or UnionPay logos	Free of charge

*

Free 10 times per month for UnionPay Classic, Payroll, and Student type debit card (combined between ATM BERSAMA and PRIMA network)

**

Free 1 time per month for all type of UnionPay debit card

Eligibility

Personal customer : Indonesian citizen or foreigner
Customer under age of 17 that apply for debit card utilizing joint account which is linked to his/her guardian; and
Joint account “Or” type only

Debit Card Application Procedure

Customers bring the required documents to the nearest Bank of China (Hong Kong) Limited Jakarta Branch or Sub-branches to submit for application.

Required Documents

Indonesian citizen: Identification card (Kartu Tanda Penduduk/KTP) + Tax ID number (Nomor Pokok Wajib Pajak/NPWP)
Foreigner : Pasport and temporary residence permit card (KITAS/KIMS/KITAP) + Identification card from origin country + Tax identification number (Nomor Pokok Wajib Pajak/NPWP)